By Dave Kavanagh

For many reasons, people often put off having to deal with their finances (it’s not the most fun exercise!) despite the fact it can give them peace of mind, reduce outgoings and often leave them with more money left over each month. But what are they really saying?
“I’ll have a look at that after Christmas”. Often replaced with “after Easter”, “after the holidays”, “after the kids go back to school” and a few others. What is actually being said is “I’ll name some time in the future so that I don’t have to deal with it now”. Let’s face it, you can easily find 30-60 minutes once a year to deal with something this important. You’ll be glad you took the time. “We have everything in order already”. Great. That is if it’s been reviewed in the last few months, but on closer examination, it often hasn’t been looked at in years and circumstances have changed. It’s important to keep things relevant to your current personal circumstances. “Our bank sorted everything for us”. Your bank may have sorted a few things, but in most cases, banks are tied to one company, so a fair comparison cannot be made, meaning you could be paying way over the odds for whatever the bank has put in place for you. Dealing with an advisor who is not tied to one company and can compare other options is the only way to make sure you get the best value. “I’m busy at present, I’ll give you a shout in a few months”. Let’s face it, going through your finances is rarely on anyone’s list of favourite activities. But the fact remains, if there is an activity that you like you will make time for it. Burying your head in the sand is rarely a successful solution to most problems. Someone once told me that they had no time and in the same conversation told me they had queued for over an hour in a drive through for doughnuts. (They were also up to date on all the soap storylines!)

Dave Kavanagh QFA has been advising people financially for over 25 years. For quotes or information (with no cost or obligation) he can be contacted by emailing info@financialcompanion.ie or use the contact form on www.financialcompanion.ie or phone 087-6414570, or @Davekav_advice on Twitter and Instagram. Combined with his previous role of gym/nutrition adviser, he regularly gives talks and workshops at seminars and events for groups, companies and government departments on financial wellbeing, positivity and motivation. As heard on RTE 2FM and TV3.

Yes ladies and gentlemen rumour has it that Ardgillan castle is the place to have your civil ceremony/wedding day. Just to show you how, they hosted their first wedding fair and Fashion Show on the 15th May last. Civil ceremonies take place in the Drawing room at Ardgillan Castle but now with resident Interior Decorator and costume designer Carina Cunningham from style warriors Dreamscape room 102, Ardgillan Castle is now available as an additional extra for your themed wedding - Bridgerton Style, Gothic Style or just Classical style, using her bridal Archway, Candleabras, lanterns, red carpet and Roth Iron furniture, dressed to your own personal taste. The bride can also have the use of the room 102 with its makeup bar, 4 poster bed and pretty interiors for photographs as part of her wedding experience. Costumes can be designed and the décor can be themed to your favourite era or style. Let’s remember, for any couples looking for an alternative to a church wedding ceremony, Ardgillan Castle gives you the freedom to be diverse and creative. Boasting of its natural opulence, elegance, heritage and breathtaking views out over the Irish Sea, it has the perfect backdrop for unique wedding photographs, it’s got it all folks. The fashion show was a huge success featuring Mizz Rio gowns from the Naul, AB Formal suit hire Swords and of course Style Warriors Alternative Bridal Gowns and Costumes. All hitting the red carpet and looking amazing, Mattress Mick even strutted his stuff on the day while Steve Mangan sang a few Micheal Buble tunes. Delicious canopes were served from Brambles our in house Caterers, vintage cars by Classic Vintage Wedding Cars on facebook. See what you missed on Carina Cunninghams Facebook page and Style Warrior Presents on Instagram and on Ardgillan Castle Instagram and Facebook. What a fabulous day, look it all up folks, entertainment at its best at our beautiful Ardgillan Castle.

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By Jack Shanley

Almost 50 years after it was made, ‘Day For Night’ truly stands the test of time. Screened last month at the Irish Film Institute (IFI), the classic, directed by the great French new wave director Francoise Truffaut, is one of his finest achievements.It tells the story of a committed film director struggling to finish his movie with several unexpected troubles, both personal and professional, affecting the cast and crew.It’s an entertaining romance drama about the struggle, the love and passion of the amazing craft we call filmmaking. Truffaut asks the powerful question: ‘Is cinema more important than life?’ ‘Day For Night’ is essentially about making movies with a romance story built within it, but more than that, it’s a love letter to cinema, a craft in which Truffaut devoted his life to. He once said ‘it was his own reason for living’. It’s an affectionate film with Truffaut starring as an ambitious director committed to his craft. Quite funny and charming, it takes you into the strenuous world and selfish mind of a film director. American film director Brian De Palma, a great admirer of Truffaut, was so influenced by the opening titles, designed by Michel Francois, that he used a very similar opening title for his film ‘Blow Out’ released in 1981, replacing the orchestra with screams and a beating heart. ‘Day For Night’ also has a remarkable soundtrack, scored by the effortlessly talented Georges Delerue who, through his music, gave the film this wonderful sense of hope which is essentially all that a film director really has.

Overall, ‘Day For Night’ is a beautifully crafted depiction of what a film director truly is. I give it a score of four stars as it makes you adore cinema just that little bit more.

Director–Francoise Truffaut: Rating–PG: Genre–Romance/Drama: Run Time–1h 50: Language–French, English.

•For more film content please follow @movies4fanatics on Instagram

By Siobhan O’Neill White

Whether it’s your Dad, Grandad, Daddy, Father-in-law, StepDad, husband, partner or a special father figure, Father’s Day on Sunday 19th June is the day to celebrate these wonderful men. We’re cooking dinner for my Dad as a treat but no matter how good dinner is, he’ll still proclaim that our roast potatoes aren’t as good as his! His roasters are famous around Balbriggan (according to him anyways!) Need some gift inspiration for the Dads? We can help….For guys who like sweets, the retro sweet hamper from Hampers & Co, a Clontarf based company is only €12. They also have Movie night in , Gourmet Wine, Fancy Cheese, Craft Beer and our favourite, The Dude hamper! Use promo code Mums12 for 12% off any of their cool hampers. If your Dad likes to exercise or is fond of casual wear, Irish brand Gym+Coffee, have cool shorts, t-shirts, hoodies etc. They’re super comfy and come in a wide range of colours. Thinking of getting him a gift voucher? Best Menswear is ideal. They have a great range of clothing from casual to smart. My husband is a big fan, so we’ll definitely be going there! If you prefer to pick him up a gift, Dealz have lots of goodies from only €1.50. If he loves Gadgets and gizmos, Hoco and Gadget Geek in Ilac SC are brill. And of course, there’s the LFC store for Liverpool fans! Check out mams.ie for gift giveaways, like hampers and Spotlight Oral Care gift sets. June is also time for summer camps. If your child is starting secondary school in September or going into 2nd or 3rd year, we highly recommend a new, clever and innovative summer camp called ‘Inside Out’. This fun camp includes a balance of physical, mental and creative challenges to help prepare kids for secondary school, particularly the emotional challenges they will face there. Ideal for 12-14 year olds, this camp is being hosted in the gorgeous, lush grounds of Gormanston Park. Places are limited, to register your interest, please go to insideoutcamps.ie/register/ It’s wonderful to see Inside Out camps taking a proactive approach to mental health, as these children navigate the stresses of school and today’s fast paced, social media laden, over whelming world. For more Father’s Day ideas and information on summer camps, please visit mams.ie . Shortlisted for Golden Spider Award & Infant & Maternity Award. As seen on RTE and Virgin Media Ireland & Weekend AM. As heard on Today FM’s Ian Dempsey & Dermot & Dave; RTE’s Ray D’Arcy Show, 98FM, LMFM Late Lunch, WLRFM & Shannonside FM

Established by local fisherman Sean Doran, whose family have been in the fish business in Howth for 60 years, this new marine focused excursion is sure to delight family members of all ages. This fun educational experience consists of talks on fishing vessels, how they fish and what species they catch in Irish coastal waters. Hear from real fishermen as they tell stories from the trawlers in action battling Irish weather & learn about fish stocks and sustainability. Then experience some fun hands-on activities such as rope tying, and shucking oysters, and enjoy a delicious seafood lunch in our restaurant overlooking the pier. This excursion is available for a 2 hour, half day or full day session and some options include a boat trip around Ireland’s eye where guests will hear about local shipwrecks and the history of Grace O’Malley, the pirate queen. Located on the West Pier in Howth, facing out to Ireland’s eye and Lambay Island, part of the excursion will take guests on a walk along the pier to look at real fishing trawlers and talk to active fishermen about their day to day lives. This special day out will be of interest to groups of friends, family, transition year and catering students, groups of chefs and hospitality staff and tourist groups with an interest in how a fishing harbour works and how best to prepare and eat fish that is sustainable in stocks.Specialist groups can avail of a tailored package to focus talks on elements including food, biodiversity or environmental/aquamarine. Timetables can be amended to fit with tour timetables and look out for our mini tours which will give a one-hour taster throughout the 2022 summer season for only €35 per person including a takeaway lunch. We encourage our guests to take the Dart, bus or bike to Howth to keep the air clean for our human and animal friends! Howth School of Fish is a short five minute walk from Howth Dart Station. Visit our website for details and booking on www.howthschooloffish.ie , email sales@howthschooloffish.ie or call 086-2502401 to make an enquiry.

by Carina Cnnningham

Did you know that our fabulous Ardgillan Castle, Balbriggan has opened its doors to a collection of artists? Welcome to “Ardgillan Artists Collective Studios”.

All crafts and artists candidates had to go through a rigorous application and interview, to be awarded a designated studio. The board of management at Ardgillan Castle made the decision on who could join the castle in this new venture. This month we would like to introduce you to the lovely artist Nicola Weldon. Nicola works mostly with clay and plaster as mediums. The unique process that she uses with clay captures impressions of wild meadows, flowers, foliage, and seaweeds. By working in monochrome or by creating contrast through the delicate use of colour, together with her attention to detail, Nicola’s aim is to reproduce the wildness of nature in each image. Nicola said. “I love being based at the Castle, together with 10 other artists and the fact that each artist’s work is so different. Having access to the extraordinary selection of flowers and plants from the grounds at Ardgillan for my work, makes it even more enjoyable. Recently, I have been enjoying exploring plaster and how it lends itself to the relief effect. I believe my framed plaster reliefs are a good contrast to my other work.” You can find Nicola’s pieces on display at Ardgillan Castle Arts and Crafts Shop , as well as in her studio in the castle. Nicola currently has a small exhibition at the La La Café, which is a part of the Irish Institute of Music on Church Street, Balbriggan. To see some of Nicola’s work, check out her Instagram. Nicola added, “I really enjoy welcoming people at my studio, where they can see me at work. I also enjoy creating bespoke pieces, so if you wish to have a particular piece designed using your favourite flower, plant or seaweed please call in and have a chat.” If you are interested in contacting Nicola Weldon please do so at : Mob: 086 8198337, Email: nicolaweldon10@gmail.com or Instagram: @nicola_weldon10

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By Dave Kavanagh

A tax that is often not considered and doesn’t usually make the Budget headlines each year is Capital Acquisition Tax. In 2019 in Ireland, there was €455 million collected in Capital Acquisition Tax. This covers both inheritance tax and gift tax. It also includes estates that may have been taxed in previous generations. For example, if someone left an estate worth €2,000,000 to an only daughter, she would (in the current tax year) have a tax bill of almost €550,000. After she pays the bill and puts what’s left in the bank, any interest is taxed (DIRT). Guess what happens when she passes and leaves her estate behind? It’s taxed again! Spouses can leave any amount to each other tax free. After that, the three thresholds are, a) Children - €335,000, b) Other close relatives - €32,500 and c) All others (including cohabiting partners) - €16,250. Everything received above these is taxed at 33%. So, is there any way to prevent it? There are two main actions that can either reduce or eradicate such a tax bill. The first is to take the time to plan when making a will. Let’s say a value of €750,000 was being left to 2 adult children. (Not a big estate if you combine a house, savings and a life policy). This would create a tax bill of over €25,000. Instead, if €670,000 of it was left to the 2 children and the balance between a few grandchildren, there is no tax bill. The second thing that can be done is for the person leaving the estate to take out a Section 72 plan. This is a type of life policy that is allowed to pay any tax liability without adding to the value of the estate. It becomes particularly important for anybody that does not have children to plan things out, as even other relatives can only receive €32,500 before any balance is taxed. These thresholds are particularly important for anybody in the process of planning or making their will.

Dave Kavanagh QFA has been advising people financially for over 25 years. For quotes or information (with no cost or obligation) he can be contacted by emailing info@financialcompanion.ie or use the contact form on www.financialcompanion.ie or phone 087-6414570, or @Davekav_advice on Twitter and Instagram. Combined with his previous role of gym/nutrition adviser, he regularly gives talks and workshops at seminars and events for groups, companies and government departments on financial wellbeing, positivity and motivation. As heard on RTE 2FM and TV3.

By Siobhan O’Neill White

Whether you have a small budget or a bit more to spend there are so many options. Charity shops are amazing, with almost new Communion dresses for around €15 - €20. Mr. Price has Communion dresses from €17.99 which are lovely. Watch out for sales; we picked up our daughters Communion dress for €50 in the sale at Alexander Bridal Parnell St. Dublin. For boys, Bestwear in Drogheda has 3 piece suits for boys for €69.99, they are so smart! For girls and boys, Fields Jewellers have a beautiful range of Communion jewellery such as holy cross pendants, bracelets, necklaces, watches, earrings and tie pins. One of our favourites is the watch and necklace set for only €50. Top Tip Jewellery makes a memorable gift from a Grandparent or Godparent! Hosting a party at home can be overwhelming so getting food from your local deli takes the pressure off. We love the catering options from Relish cafes. From savoury foods like lasagne, chicken & broccoli bake, beef bourguignon (my favourite) with creamy mash, savoury tarts and curries to divine desserts. Check their menu out! We got our daughters personalised Communion personalised cake here for only €30.A Pinata is great fun for the kids. Check out Pinatas Pinatas colourful and personalised Communion Pinatas for only €30. For Mums: On Communion days, us Mammies want to look our best! We adore the dresses, blazers, skirts, trousers, tops & jumpsuits from Ontrend.eu They currently have a huge sale (prices start at €5!) with many ideal pieces for dressing up! For the Daddies: Best Menswear is a great spot for smart/casual wear. They have nice suits but also, other options like chinos & shirts, while smart, are a little less formal. They often have sales on so watch out for deals! For siblings: You can’t go wrong with Penneys. They have wonderfully priced special occasion wear like pretty dresses, fancy shoes and hair accessories for girls and chinos, shirts, braces and bow ties for boys. You don’t have to spend a fortune to get the siblings looking their best for the special day!Siobhán O’Neill White tel: 087-9978418 siobhan@mumstown.ie - web: www.mams.ie - Shortlisted for Golden Spider Award & Infant & Maternity Award - As seen on RTE and Virgin Media Ireland & Weekend AM As heard on : Today FM’s Ian Dempsey & Dermot & Dave; RTE’s Ray D’Arcy Show, 98FM, LMFM Late Lunch, WLRFM & Shannonside FM

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By Jack Shanley

Almost 50 years after it was made, Nicolas Roeg’s ‘Don’t Look Now’ remains to this day one of the great horror masterpieces in cinematic history. Not only is it frightening but it pulls you in and makes you feel as lost as the two main characters while they wander the streets of Venice. The must-see 1973 classic was adapted from Daphne du Maurier’s book of short stories ‘Not After Midnight’, released in 1971. Very skilfully made (cinematography, sound, writing, editing), we’re treated to devastatingly good performances from Donald Sutherland and Julie Christie. We really feel their pain and intense sorrow which is essentially the core of the film. ‘Don’t Look Now’ delves into the interesting topic of the psychology of grief and how the death of a child can have a massive effect on a relationship. It is set in this mesmerising dark dream-like city of Venice. In a way the dark look depicts how the couple feel after the loss of their daughter. Devastating, poignant and beautiful all in one, ‘Don’t Look Now’ is very highly regarded by film critics around the world and by some of the greatest directors we’ve seen over the past 30 years, influencing the likes of Academy Award Winner Danny Boyle (Slumdog Millionaire, Trainspotting), Academy Award Winner Steven Soderbergh (Erin Brockovich, Traffic) and the great Christopher Nolan (Inception, Interstellar). The film is so highly regarded that in 1999, the British Film Institute acknowledged the importance of Roeg and his filmography by naming ‘Don’t Look Now’ the eighth greatest British film of all time in its Top 100 British films poll. Synopsis: Following the death of their daughter, John (Donald Sutherland) and his wife Laura (Julie Christie) head to Venice where John is commissioned to restore a church. There, John and his wife Laura meet two sisters (Hilary Mason, Clelia Matania) who claim they are in touch with the spirit of their daughter. Laura believes them, but John doesn’t until he catches sight of what looks like his daughter running through the streets of Venice. I’d give this film a score of FIVE stars. * You can buy ‘Don’t Look Now’ on DVD at Tower Records for €14.99. Director: Nicolas Roeg - Rating: R - Genre: Mystery, Thriller - Run Time: 1h 50m - Language: English, Italian

By Ciaran Russell

It can be hard to know where to start if you want to lose weight, let alone what’s important. Let me introduce The Hierarchy of Weight Loss as I see it. First and foremost you can create a calorie deficit, have the best training plan, spend lots of money on supplements and still not see any results. Why? Because doing all those things may every so often but if there is no conistsncy over a long period of time results will be hard to obtain. Adherence to a plan is the key component to long term success with losing weight and improving fitness.Energy balance is the driving force of weight loss. This is calories in versus calories out, which means the amount of calories you eat and drink versus the amount of calories you burn.Daily movement is essentially moving your body everyday and finding more ways to do that. This is not exercise. It’s what you do during work hours, it’s taking the stairs instead of the lift, it’s walking to the shops rather than driving. Increasing your general physical activity can have a huge impact on your weight. One of the most underrated components of life is sleep. The importance of sleep is massively overlooked in relation to health, not least weight loss. If you’re tired, it means energy may be impacted which can result in reaching for quick snacks to give you an energy boost during the day. If you truly want to get a handle on weight loss for good, start taking better care of your sleep.While training is not solely important for weight loss, at least not as much as people think it is, exercising regularly has massive benefits to your health and body compostition. Finding exercise you enjoy is the key to particiapting for a long time. Keep things simple for weight loss; adhere to a plan for a few months at least, ensure you are in a calorie deficit, move your body daily, improve your sleep, do exercise you like and only take supplements if you are deficient.Follow me on Instagram for more tips for simplifying weight loss. Go to this link - instagram.com/ciaranrussellcoaching/

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